5232 Bat Cave Rd, Old Fort, NC 28762 Property Records

McDowell County property record for 5232 Bat Cave Rd, Old Fort, NC 28762

Property Summary

Property Type	Rural Home
Details	3 bd · 1.5 ba · 1,584 sqft · built 1977
Lot Size	0.714 acres (31,129 sqft)
Owner	2 Individual Names on Record
Last Sale	$168,500 (Aug 2007)
Tax Bill	$1,118 (2025)
Deeds & Mortgages	Apr 2026 Mortgage Sep 2023 Sale & Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`0657-00-35-5610`

Property Details

APN / Parcel Number

Primary APN	`0657-00-35-5610`
Alternative APNs	`45816` `80301`

Interior

Bedrooms	3 Beds
Full Baths	1.5 Baths
Half Baths	1 Half Bath
Stories	1 Story
Building Area	1,584 sqft Heated Area
Gross Area	2,488 sqft
1st Floor Area	1,584 sqft
Flooring	Vinyl/Resilient
Interior Walls	Plywood
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1977
Effective Year Built	Effective 1985
Exterior Material	Brick Veneer
Roof Type	Gable
Roof Material	Asphalt
Lot Area	31,129 sqft (0.714 acres)
Lot Width	278 ft Width
Garage Area	508 sqft
Parking Spaces	2 Parking Spaces
Porch	Slab

Utilities, Heating & Cooling

Cooling System	None
Heating System	Baseboard
Heating Fuel	Electric

Location & Zoning

Account Number	80301
Street Address	5232 BAT CAVE RD
City	OLD FORT
State	NC
Zip	28762-8681
Property Category	Residential
Property Type	Residential > Single Family > Rural Home
Legal Description	0.765 AC
Jurisdiction	MCDOWELL NC
Township / Civil Division	CROOKED CREEK
Census Block Group	3
Census Block	3041
Census Tract	970800

Owner

Source: McDowell County records, as of April 15, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Mailing Address	5232 BAT CAVE RD, OLD FORT, NC 28762-8681
Occupancy	Owner Occupied
Owner Type	Individual
Vesting	Joint Tenants

Deeds, Mortgages & Sale History

Date	Document
Apr 8, 2026	Deed of Trust, Mortgage · FHA Mortgage PENNYMAC LOAN SERVICES LLC
Sep 7, 2023	Warranty Deed, Transfer · Conventional Mortgage HOMETRUST BANK
Jun 15, 2023	Intrafamily Transfer, Transfer

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Aug 30, 2007 · Amount on Record
Deed Sale	Aug 30, 2007 · Amount on Record
Deed Document Number	20076413
Deed Book / Page	931 / 940
Last Transfer Date	Jun 14, 2023
Transfer Doc	0014380250
Record Updated	Sep 20, 2026

April 2026: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	MCDOWELL NC
Recording Date	Apr 8, 2026
Property Address	5232 BAT CAVE RD, OLD FORT, NC 28762-8681
Document Number	0000001624
Book / Page	1534 / 298
Instrument Date	Apr 2, 2026
Instrument	20261624
Transaction Type	Mortgage
Record Updated	Jul 12, 2026
Title Company	TOWNSGATE CLOSING SERVICES

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants, 205
Address	5232 BAT CAVE RD, OLD FORT, NC 28762-8681

Mortgage

Document Number	0000001624,
Date	Apr 8, 2026
Book Page	1534/298
Instrument	20261624

Lender

Name	PENNYMAC LOAN SERVICES LLC

Agreement

Type	FHA Mortgage
Amount	Amount Recorded
Term	360 Months
Due	May 1, 2056

Interest

Rate	6%
Max Rate	-1%

September 2023: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	MCDOWELL NC
Recording Date	Sep 7, 2023
Property Address	5232 BAT CAVE RD, OLD FORT, NC 28762-8681
Document Number	0014460318
Book / Page	1446 / 318
Instrument Date	Sep 7, 2023
Instrument	2023004221
Transaction Type	Transfer
Record Updated	Sep 25, 2023

Transaction

Amount	Amount Recorded
Downpayment	Downpayment on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$650.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	4258 BOULDER DR, MORGANTON, NC 28655-6051

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	5232 BAT CAVE RD, OLD FORT, NC 28762-8681

Mortgage

Document Number	2023004222
Date	Sep 7, 2023
Instrument	2023004222

Lender

Name	HOMETRUST BANK
Type	Bank

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	361 Months
Due	Oct 1, 2053

June 2023: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	MCDOWELL NC
Recording Date	Jun 15, 2023
Property Address	5232 BAT CAVE RD, OLD FORT, NC 28762-8681
Document Number	0014380250
Book / Page	1438 / 250
Instrument Date	Jun 14, 2023
Instrument	2023002765
Transaction Type	Transfer
Record Updated	Jun 30, 2023

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	5232 BAT CAVE RD, OLD FORT, NC 28762-8681

Tax Assessment & Valuation

Source: McDowell County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	North Carolina
County	McDowell County
Unified School District	McDowell County Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$1,118.00	$164,950 (-) Land $30,000 Building $134,950
2023	$1,118.00 (+24.5%)	$164,950 (+26.27%) Land $30,000 Building $134,950	$164,950 (+26.27%) Land $30,000 Building $134,950
2022	$898.00	$130,630 Land $18,000 Building $112,630	$130,630 Land $18,000 Building $112,630

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective December 13, 2016 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Nearest Special Flood Hazard Area	Zone AE, within 100 ft
Flood Insurance Requirement	Not required lenders may require it
Nearby Flood Policies	7 in force
Nearby Flood Claims	1 (2024)
Most Recent Claim	Sep 2024 · Tropical Storm Helene

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Moderate above 40% of the US · above 58% of North Carolina
Wildfire Likelihood	0.08% annual chance
Exposure	Direct burnable vegetation

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Internet Providers

Source: FCC Broadband Data Collection, based on 16 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Fiber	1,000 / 1,000
Verizon Fixed Wireless	300 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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